Quotor — Home & Auto Insurance Quotes

 ⟨72 unchanged words⟩ picks an option (for example "I'll take Home Carrier AA-Home"); pay_plan is required when an auto option is included.

Save-the-sale tool — call when the customer signals dissatisfaction with the current options ("too expensive", "let me think", "what else do you have", "is this the best you can do", "I'll check elsewhere", "can you do better"). Some carriers (Foremost STAR,Checks etc.)whether runa slower than the initial set and maycarrier havehas come back with a better rate while the customer was deliberating. This tool:

  1. Pulls a fresh read of all rated carriers.
  2. Compares the current cheapest bundle/LOB price tosince the original first-quoted best.
  3. Returns has_improvement=true ONLY if a late carrier beats theoptions originalwere byfirst >=shown. $100/yrhas_improvement ORis >=true 5%only —when a threshold meaningful enough tonew justifyrate interruptingbeats the customer.

CALL THIS ONLY WHEN:
  - check_quote_status hasearlier returnedbest 'quoted'by at least once (there's$100 a baseline to compare).
  - The customer just expressed price resistanceyear or hesitation (not a closed positive).
  - You have NOT called5%. check_late_arrivalsUseful inwhen the last 2 turns (don't spam).

DO NOT CALL WHEN:
  - The customer is actively committing ("yeah let'shesitates goover withprice A")after —seeing that'soptions. aIf closenothing momentimproved, not a wavering moment.
  - The customer hasn't seen the initial options yet.

WHAT TO DO WITH THE RESULT:
  - has_improvement=true → narrate the improvement naturally ("Quick update — one more carrier just came in $X/yr cheaper. Want me to refresh your options?") and the iframe auto-updates with the new state.
  - has_improvement=false → acknowledge the customer's concern,it's pivotbest to value positioning against the optionssay onso theplainly table.rather Don'tthan bluffsuggest a "better oneprice is coming" if it isn't. Use the carriers_still_pending count if relevant ("a couple more carriers are still finalizing in the background — I'll flag if anything comes in lower").coming.

{"additionalProperties":true,"description":"AnyWhether a slower carrier rateshas thatbeaten arrivedthe afterfirst-quoted best price, plus the firstrefreshed response.options.","properties":{"new_optionshas_improvement":{"type":"boolean"},"message":{"type":"string"},"options":{"type":"array"}},"type":"object"}

{"openWorldHintdestructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":truefalse,"title":"Check for latebetter carrierlate rates"}

CheckReports rating + live-finishing progress. Call between wait-phase questionsprogress (everyand, customeronce turnavailable, orthe twoquote afteroptions. get_quote_options).status Returnsis one of:
  - 'running'running: —prices indicativesare still landing; continuearriving; thecheck wait-phaseagain conversation,in calla againturn nextor turn.two.
  - 'quoted' — options[] is populated. CHECK THE 'finishing' BLOCKquoted: when finishing.active=true, the exact bindable ratesoptions are STILLready. beingWhile capturedfinishing.active liveis attrue, theLibertas carrieris portalsstill —capturing presentexact therates, priceso ranges confidently as honestare estimates (the low end is the carrier's own starting figure; NEVER promise the final number can'tmay exceedland thewithin range),or keepbelow the conversation goingrange, and keep checking on later turns; cards harden to 'verified' automatically as walks complete.but Whenthat finishing.active=false,isn't theguaranteed); runcheck isback over:later. cardsOptions marked 'verified' are exact, bindable numbers; anything still 'estimate' stays a range that a licensed agent confirms at bind.
  - 'timeout' — carriers took too long; offer to retry with get_quote_options.numbers.
  - 'needs_data' —needs_data: carriers can't rate until the customer suppliesneed themore fieldsinformation infirst. needs.prompts (e.g. a driver's license number, a VIN, or an additional driver's name/date of birth —lists each prompt saysitem, who/whatwho it's for). Ask the customer conversationally, applyand the answers with update_quote (the promptfield 'field'to valuesset; areapply the exact patch paths, e.g.customer's drivers[1].date_of_birth)answers, then call get_quote_options toagain. re-run.When Repeatneeds.secure_link asis manypresent, timesthat asitem it(a takesdriver's —license thisnumber) is an ask, NOT a failure.entered needson mayLibertas's alsosecure ridepage alonginstead withof 'quoted'in whenchat: oneshare linethe ratedlink andwith the other stillcustomer, needsand info.
  -rates 'error're-run —automatically allonce carriersthey errored;submit flagit.
  - ittimeout honestlyor anderror: offer to retry.
Each optiontry carriesagain rate_statewith ('verified'get_quote_options.
Carriers |appear 'verifying'as |'Home 'estimate')Carrier andA', for'Auto unverifiedCarrier optionsB', price_rangeand {low,so high}.on; NEVERthe mentionreal carrier countsname oris realshown carrieron namesLibertas's insecure chat.bind page.

{"openWorldHintdestructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":truefalse,"title":"Check quote status"}

GenerateEmails the customer a single-use secure link, (valid for 7 days, and EMAIL it) to theLibertas's customerbind addresspage, alreadywhere collectedthey inreview the quote. Thechosen tooloption, doessee the email deliverycarrier's itselfname, and fails if no valid customer email is onsubmit filetheir orrequest; Gmaila cannotlicensed send.agent Libertascompletes customerthe texting/SMSpurchase. isUses notthe enabled:email thisaddress toolalready doeson notthe textquote and you must never promise a text message. The chat widget will usually render an inline 'Request Bind' cardreports directlywhether —it preferwas request_bind_inlinesent; forno thetext in-chatmessage flow.is Usesent. get_bind_linkUseful when the customer wants to leave the chat, finish on a different device,later or receive their final numbers by email. The bind page reveals theon realanother carrierdevice. nameNothing (theis onlypurchased placeby it'sthis revealed).call.

{"destructiveHint":falsetrue,"idempotentHint":false,"openWorldHint":true,"readOnlyHint":false,"title":"GetEmail a secure bind hand-off link"}

PullReturns the full coverage breakdown, deductibles, applied discounts applied, and payment plan optionsplans for a single maskedone option (Home Carrier A, Auto Carrierfor B,example etc.opt_home_a). Use, whenso the customer wantscan tocompare digbefore intochoosing. aThe specificcarrier quotestays beforemasked deciding.as 'Home Carrier nameA' remainsand masked.so on.

{"destructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":true,"title":"Get option coverage details"}

Fire all eligible A-rated carriers in parallel AND kickStarts offrating livewith rate-finishing.Libertas's RETURNSpanel IMMEDIATELYof —A-rated doescarriers NOTand wait.

TWOreturns STAGESright follow:
  1.away. First numbers landprices inusually 30–90arrive seconds.within Options30-90 surfaceseconds as honest price RANGES —ranges (the low end is the carrier's indicative, so the final verified rate usually lands AT OR BELOW theown lowpreliminary end.
  2.figure). TheLibertas systemthen keeps working for 2–102-10 minutes after that, logging into carrier portals and walking each competitive quote to itscapture exact, bindable rate. Option cardsrates hardendirectly from "estimated range" to "verified" as each carrier completes. check_quote_status reports this via its 'finishing' block.

Whatsystems, youso dooptions duringmove thefrom wait:'estimate' KEEPto THE'verified'. CONVERSATIONFollow GOINGprogress with the wait-phase playbook in the system prompt (waters first, then current premium — top prioritycheck_quote_status —every thenturn claimsor color,two. pets,Calling pool,this startagain date,with paymentunchanged preference).details Narratereturns the real finishing workrun honestlyalready in ONE short line when relevant; never quantify carriers or name them.

Call get_quote_optionsprogress; againchanged ONLYdetails ifstart a rating-changing input changes (waters toggle locally — never re-fire forfresh those).run.

 ⟨4 unchanged words⟩ openWorldHint":true,"readOnlyHint":false,"title":"Run carriers & getGet quote options"}

SubmitSends the customer's bindchosen requestoption(s) fromto theLibertas's chat.licensed Triggersteam anas internala taskbind forrequest ourand licensedreturns teama tosecure followcheckout up.link THISon ISLibertas's NOTsite. INSTANTThis BINDis —a request, not a purchase: no payment is collectedtaken and no coverage starts from this call;call. aA licensed agent completesverifies underwriting verification, collects payment on the secure page, and carrierconfirms confirmationcoverage afterwardwith the carrier, and the customer can still change or cancel the request. Because this step isbefore non-bindingthen. andAppropriate reversible,once the customer's own clear choice ("I'd like to go with Carriercustomer A",clearly "let'spicks doan Aoption and(for A",example "I'll take Home Carrier BA") is sufficient confirmation to submit — an additional "are you sure?"; promptpay_plan is not required, though you should always honor your own platform's confirmation practices. NEVER name a real carrier in chat output —when stayan inauto "Carrieroption A/B/C"is labels.included.

{"destructiveHint":falsetrue,"idempotentHint":false,"openWorldHint":truefalse,"readOnlyHint":false,"title":"Start a bind (routeRequest to an agent)bind"}

PickLooks up an existinga quote that was started in a previous session or on a different platform. The customer supplies aearlier, quoteby ID.its Verification:quote_id. ifReturns the same authenticated user (OAuth user_id matches acrossquote's sessions)status, no extra verification is needed; otherwise thewhether customeroptions needsare toready, provideand anwhat's emailstill codeneeded. thatSaved waspersonal sentdetails atare quotereturned start.only Returnsto the current status, a summary of what's collected so far, and whether ratesame optionsplatform areuser alreadywho availablestarted tothe review.quote.

{"openWorldHintdestructiveHint":false,"idempotentHint":true,"openWorldHint":false,"readOnlyHint":true,"title":"Resume an existinga quote"}

BeginOpens a new home, auto, or bundled insurance quote.(home Returns+ aauto) quote IDwith toLibertas useInsurance onand returns a quote_id that every followinglater call.call Calluses. thisFor whenoutside assistants the customerresult wantsalso tocarries getshort annotices insuranceLibertas price.

INTAKEmust ORDERgive (Kylethe 2026-06-11customer; —notices.how_to_use collectexplains inwhen thiseach order,applies.

What ONEthe coherentquote chunkneeds per(one turntopic at a time keeps it quick):
  1. HOME/BUNDLE: fullFull name +and date of birth for EVERYONEeach person on the policy, (with their relationship forto non-PNI).the main applicant.
  2. Address ofHome: the home + "isaddress thisof athe newhome purchase,to orinsure oneand you'vewhether ownedit's a while?" (new purchase → ALSO capture(if current_addressso, —also where they live today; property.address stays the homecustomer beinglives boughttoday). Then mortgage + escrow + "roughly how old is the roof? — 'I don't know' is a fine answer" ride along (roof unknown → move on, nevermortgage/escrow, probe;and roof REPLACED → one follow-up: hail-resistant /age Classif 1–4?known →("not property.hail_resistant_roofsure" +is property.ul_impact_typefine). The home address doubles as auto garaging unless the cars live elsewhere.
  3. AUTO/BUNDLEAuto: year/make/modelyear, ofmake, everyand vehicle.
  4.model Anyof driverseach NOTvehicle, alreadyplus namedthe inname stepand 1date —of namesbirth +of DOBsany +other relationship.drivers.
  5.4. Email +, phone, framed as "where should I send your final numbers?" —and the consent line is REQUIRED on this turn.
  6. ONE open question before firing: "Any coverages you want to tell me about before I run it?" Capture whatever they volunteer viarequested update_quotecoverage andstart movedate on(policy_terms.effective_date, —YYYY-MM-DD).
Then docall NOTget_quote_options. turnLibertas thisnever intoneeds a coverage consultation. Scheduled valuables (jewelry,Social art,Security gunsnumber, collections) aredriver's alicense POST-BINDnumber, follow-up:or recordpayment themdetails underin the follow_upsconversation; patchwhen branchone andis tellrequired, the customer "our team will add that right after we get this policy locked" — never try to add them mid-quote.

Then call get_quote_options immediately. Don't over-collect —enters theit customeron shouldLibertas's reachown pricessecure fast.page.

 ⟨11 unchanged words⟩ :"string"},"type":"array"},"notices":{"type":"object"},"quote_id":{"type":"string"},"session_expires_at" ⟨4 unchanged words⟩ 

{"destructiveHint":false,"idempotentHint":false,"openWorldHint":truefalse,"readOnlyHint":false,"title":"Start an insurancea quote"}

CaptureAsks a leadlicensed forLibertas anagent insuranceto productfollow up with the customer: for insurance Libertas doesn't quote inlinein chat (renters, life, commercialcondo, motorcyclelandlord, boatumbrella, RVlife, umbrellacommercial, condomotorcycle, landlordboat, etc.) — OR any home/auto customer who asks to be contacted later instead of finishing the quote in chat. Creates a row in the CRM Leads bucket so a licensed agent can follow up.

CALL THIS WHEN:
  - The customer asks about an insurance type other than home/auto/bundleRV, AND has shared a name + email or phone. Confirm with the customer that you're going to have someone reachand outmore), then call this tool.
  - The customer says "have someone call me later" or similar even onwhen a home/auto inquiry.
  - The customer mentions an unusual circumstance and wants a human follow-up.

DO NOTwould CALLrather WHEN:
  -talk Theto customersomeone islater. stillNeeds activelywhat answeringthey're questionsinterested in the home/auto intake flow — keep going through the regular intake.
  - You don't have any contact info yet — ask for nameplus +an email/phoneemail first.

Whator itphone does:number. writesCreates a Leads row tagged with the line of interest, contact info, preferred follow-up time, and any notes you supply. A licensedtask; Libertasan agent willtypically reachreaches out within one business day. Returns aday confirmationby messagephone youor canemail. paraphraseBest to the customer ("you're on our list — someoneconfirm fromwith the teamcustomer willbefore reachsending outtheir aboutcontact [interest]").details.

{"additionalProperties":true,"description":"Lead-capture acknowledgement.","properties":{"oklead_id":{"type":["booleanstring","null"]},"message":{"type":"string"},"status":{"type":"string"}},"type":"object"}

{"destructiveHint":falsetrue,"idempotentHint":false,"openWorldHint":truefalse,"readOnlyHint":false,"title":"SubmitAsk aan leadagent forto follow-upfollow up"}

SetAdds or refinechanges anydetails quoteon parametera exceptquote: regulatedpeople, enrichmentdrivers, fieldsvehicles, (creditthe scoreproperty, MVRcoverages, CLUEdiscounts, VIN-decoded vehicleprior attributesinsurance, public-recordand propertypolicy attributes).terms. IdempotentThe —patch callschema aslists manyevery timesfield asLibertas needed;accepts. theSafe mostto recentcall repeatedly; the latest value wins.for a field wins, and lists replace earlier lists. Returns which fields were applied, which were rejected (withand reasons)why, and whether the quote has enough info to run.

WHEN TO CALL:
  - After collecting the required-minimum from the customer in start_quote
  - Whenever the customer changes their mind about anyCredit coveragescores, deductible,driving discount,and paymentclaims planrecords, or term length
  - When the customer shares a declarations page and youdecoded havevehicle newor valuespublic-record toproperty sync

CONVERSATIONdetails STYLEcome forstraight coveragesfrom (perdata Kyleproviders, the agency principal):
  Afterso thethey firstaren't ratesaccepted landhere, walk through majorand coveragescarrier one-or-two-at-a-timechoice withis amade soft-sellby framing.
  Example:the "Yourating haveengine.

If $200,000the ofcustomer personalchanges propertya coverage on thisafter quoteprices —come that'sback, theapply carrier'sit minimumhere and you can only go up. Does that sound like enough for your stuff?" Let the customer pick. Then call update_quote with the new value and get_quote_options again —again; re-quoting is free and fast (10–60 seconds).

REGULATED FIELDStakes (willabout bea rejectedminute. withCoverage structuredchoices reason):
  drivers[*].license_number,are .ssn,the .mvr_*customer's, .credit_score; payment fields; carrier name; vin_decoded_attributes. The system pulls these directly from theand bureausa atlicensed quoteLibertas timeagent orcan collectsadvise themon atwhat bindlimits onmake libertasinsurance.com.sense.

 ⟨16 unchanged words⟩ ":"array"},"patch":{"additionalProperties":truefalse,"description":"Free-formQuote patchdetails ontoto theadd quote.or Top-levelchange. branchesBranches: pni (main applicant), drivers[], vehicles[], property, coverages, discounts, policy_terms, prior_insurance, mortgage fields (has_mortgagee, mortgage_billed_by_lender, mortgagee), is_new_purchase, with current_address (only whenwhere is_new_purchase=truethe —